| Benefit |
 Local First Credit Card
|
 Great Rate Credit Card
|
 REWARD$ Credit Card
|
|
Annual Fee
|
No Annual Fee | No Annual Fee | No Annual Fee |
|
Rewards
|
N/A | N/A | 1.5 Reward Points on Purchases |
|
Purchase, Cash Advance & Balance Transfer APY*
(Varies with Prime Rate)
|
Up to 24% | Up to 24% | Up to 24% |
|
Foreign Transaction Fee**
|
1% | 1% | 1% |
|
Late Fee
|
Up to $25 | Up to $25 | Up to $25 |
|
Penalty APY
|
None | None | None |
|
Returned Payment Fee
|
$15 | $15 | $15 |
|
Cash Advance Fee
|
$5 | $5 | $5 |
|
Minimum Payment
|
2% of Balance or $25
(whichever is greater)
|
2% of Balance or $25
(whichever is greater)
|
2% of Balance or $25
(whichever is greater)
|
*See disclosures for details.
** A 1% Visa® International Service Assessment Fee will be assessed on all transactions where the merchant country differs from the United States (which may include internet transactions), regardless of whether you are located inside or outside the United States at the time of the transaction.